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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,028 | $83,485+12.6% | $125,192-24.9% | $72,975+28.8% |
| Participation rate | 29.8% | 73.3%-43.5pp | 79.8%-50.0pp | 69.5%-39.7pp |
| Annual return | 18.37% | 25.77%-7.4pp | 43.79%-25.4pp | 81.01%-62.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,602 | $3,586-55.3% | $4,937-67.5% | $3,608-55.6% |
| Admin fee / account holder | $3,235 | $5,518-41.4% | $9,704-66.7% | $5,124-36.9% |